Heritage Financial Credit Union in Pennsylvania vs the state
19.7%Denial rate+1.45 pts vs state
19.7%Decision denial rate-2.47 pts vs state
80.3%Origination rate+19.30 pts vs state
7.25%Median rate+0.63 pts vs state
1.41Rate spread (pts)+1.17 pts vs state
$98kMedian applicant income
61Loans originated
15Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 43 | 12.2% | 7.50% | #484 |
| 2024 | 61 | 50 | 18.0% | 7.38% | #445 |
| 2025 | 76 | 61 | 19.7% | 7.25% | #417 |
What Heritage Financial Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Heritage Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pike County | 74 | 59 | 15 | 20.3% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 76 applications in 2025, of which 61 were originated and 15 denied.
19.7% of all applications, or 19.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Heritage Financial Credit Union originated in Pennsylvania in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Heritage Financial Credit Union's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology